Please help...Hi Guys,

I have just realized that in the past year alone Ulster Bank have charged me in excees of £200 in charges alone for unpaid direct debits, some being my mortgage and some others. Yes I did know there was insufficiant funds at the time of the DD's but I am struggling because as a taxi driver, my car packed up a long time ago ad ihave been unable to get back on the road so the wage coming in is my wifes part time wage. Can I claim back the charges and can I ask them to go back as long as I had the account and where do I get a template letter if so...Thabks hope u can help:|

Can someone please tell me if this law

Protection from Harassment Act 1997 (c. 40) is also the same for Northern Ireland as I am getting Harrassing calls from MBNA

Protection from Harassment Act 1997 (c. 40)

Can you tell me if this act covers Northern Ireland or is this the one

The Protection from Harassment (Northern Ireland) Order 1997 (No. 1180 (N.I. 9)) - Statute Law Database

Hi Thanx all,

My Credit cards are as follows

Capital One- £600 outstanding costing me £28 p/m

Barclycard- -£4700 outstanding costing me £170 p/m

Halifax- -£2700 outstanding costing me £100 p/m

Lloyds -£2900 outstanding costing me £100 p/m

I also just purchased my house las year and pay about £580 p/m including my insurance

I am self employed as a taxi driver and struggling at the minute and thought that consolidating all my debts to one payment would be a good idea.

I have 3 credit cards mounting to just under £10,000. Who would be the best for low interest to cosolidate all my debts to one.